Lesson 2: Savings Math Without the Stress
10 min
VA IRRRL Without Fear · Lesson 2 of 5 · 0% complete
The 3 numbers that decide the deal
Focus on monthly payment delta, total closing costs, and break-even month. If the horizon works for your plans, the decision gets much easier.
Refinance Savings Calculator
Estimate your potential monthly savings, break-even timing, and hold-period savings with a same-term refinance comparison.
Quick estimate: ~0.6% of balance → $1800
Knowledge Check
Answer each question and check your score.
1. Break-even month is calculated as:
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